Financial Advisor Sudbury & Lincoln Tim Hayes AIF®, CRPS®, AWMA®, CFS®, APMA®, CAS®
Begin the Discussion On How You Can Protect and Grow Your Assets
Wealth Management, Financial Planning, Retirement Planning
No Cookie-Cutter Solutions
As an independent financial advisor, I have access to many financial products, including mutual funds, ETFs, stocks, bonds, annuities, and life insurance programs. I use these and other products to build custom solutions for people according to their individual needs and goals.
Investment Adviser Representative
Whom Am I Affiliated With?
I am an Investment Adviser Representative at Cambridge Investment Research Advisors, Inc., an RIA based in Fairfield, IA. Also registered with Cambridge Investment Research, Inc., a broker-dealer with over 3,000 independent registered representatives nationwide.
My Financial Advisor Experience
I’ve held an industry securities registration for 30+ years and am subject to SEC and FINRA oversight.
Financial Advisor Sudbury & Lincoln
Wealth Management – I build portfolios for individuals, trusts, and retirement plans. The portfolios may hold stocks, bonds, cash, mutual funds, and exchange-traded funds (ETFs). The client’s goals, time horizon, and risk tolerance impact what the portfolio holds. Risk tolerance is how a client feels about a drop in their account. The time horizon is the length of time before the client needs the money.
Retirement – Employees who leave their employer can keep their 401k or 403b there or move it to an IRA. If they decide to move it, I build their IRA portfolio. I also build portfolios for clients saving for retirement.
Insurance – I can get clients the right type and amount of life insurance. I can do the same for disability insurance. I am licensed with many insurance companies so I can find a good product.
Businesses and Nonprofits – I provide investment advice or education to the individuals in your retirement plan. If the plan wants, I also can monitor the investment options and provide fee information.
Executives and Business Owners – I can use life insurance to facilitate ownership changes and protect a business from the loss of a key executive.
Please be sure to speak to your advisor to carefully consider the differences between your company retirement account and investment in an IRA. These factors include, but are not limited to changes to the availability of funds, withdrawals, fund expenses, fees, and IRA required minimum distributions.
- FinaMetrica risk tolerance questionnaire
- Rebalance portfolio when needed
- Stocks, bonds, annuities, ETFs
- IRAs, 403b, annuities
- 403b Financial Advisor
- Pension max for public employees
- IRA rollovers from an employer plan
- Needs analysis
- Whole life, term insurance, universal and variable life
- Disability insurance
Businesses and Not-for-Profits
- Fee reporting
- Employee education and ERISA 404(c) compliance
- Fiduciary advice
Executives and Business Owners
- Key employee insurance
- Deferred compensation
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